Thinking of getting a Customer Relationship Management(CRM) application? Below, I’ve described 11 terrible ones. Sure, they are all popular, affordable and mature. In fact, my company (full disclosure) sells and services five of them (Salesforce, GoldMine,MicrosoftMSFT-0.58% Dynamics CRM, ZohoCRM and Nimble). And given their features and functionality you’d think they’d be great tools for so many small and medium sized companies. But they’re not. They are all terrible.

Recent research by our comparison service partner Energyhelpline shows that there is £80 difference between the typical yearly energy bills in the cheapest and most expensive regions. Most shocking is that this difference inelectricity and gas prices bucks the pattern of living costs, with the South having the cheapest typical energy bills and the North West the most expensive. The default gas supplier across England, Scotland and Wales is British Gas, showing that even one energy supplier’s gas prices can vary across the different regions. And British Gas is not the exception – nearly all UK energy suppliers charge different electricity and gas prices.

With up to 15 percent off for being a student with a B average or higher, extensive coverage, and first-time accident forgiveness, Nationwide is a no-brainer for teen drivers.

2. Progressive - Best cheap auto insurance

Progressive offers an impressive selection of coverage options at (comparatively) affordable rates, and it’s a recognized powerhouse in the industry. They are considered one of the industry leaders in driver and vehicle discounts, but tend to fall short on overall vehicle coverage.

3. Ameriprise Financial - Best full coverage auto insurance

Ameriprise Financial is one of the best full coverage auto insurance companies because coverage includes stacked uninsured motorist coverage and new car replacement coverage.

4. Grundy Worldwide - Best classic car insurance

Not for the casual collector, Grundy Worldwide exists to protect vehicles that are viewed by owners as investments. Founded in 1947, it’s known for its expertise and flexible coverage plans. If you’re serious about protecting your classic car, Grundy Worldwide is the undisputed leader in the sector. Just be prepared to pay handsomely.

5. AARP The Hartford - Best auto insurance for older drivers

With specialized benefits for drivers over the age of 50, annual rates that can be locked in, and some of the best customer service available, AARP/The Hartford is the clear choice for senior motorists.

6. USAA - Best auto insurance for military

Boasting a five-star J.D. Power rating, impeccable customer service, and excellent financials, USAA is considered one of the best insurance companies on the market. It only serves the military and their families, but if you’re eligible, look no further.

The Resort: Black lava rock blankets the landscape for miles along the Big Island of Hawaii’s Highway 19, and the Four Seasons Resort Hualalai at Historic Ka'upulehu - located just off the highway on a half-mile stretch of oceanfront.

The Villa: A wall hanging in the master bedroom of the Hawaii Loa Presidential Villa pays tribute to the island’s mythological founder, King Hawaii-loa.

The idea that smartwatches are just overgrown calculator watches for early-adopting geeks, rather than true timepieces ready to rival elegant luxury wristwatches, shattered into 10,000 pieces the moment a gilded Apple Watch became a reality. Now the rest of the industry is following suit.

Sometime this year Apple is believed to release the new iPhone that is thought will bring a redesigned form factor to the platform, and today we have some beautiful renderings of the new iPhone courtesy of the guys over at the ADR Studio. As you can see in the images on this page and the others via the link the handset looks gorgeous and boasts a lovely 4.3-inch Retina Display that sits edge to edge across the device. The screen on the next iPhone has been debated about a lot recently with many iPhone fans wanting a larger unit, and if something like this was to emerge they would surely be happy.

While the Watch was the highlight of today’s Apple presser, the new MacBook should not be overlooked. Apple’s new notebook is thinner (just 13.1 mm at its thickest point), lighter (just 2 lbs), and packed with more battery power (35% more battery life) than previous models.